| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +1.3% | -2.3 pts |
| Share growth (YoY) | -0.8% | +0.9% | -1.7 pts |
| Loan growth (YoY) | +3.6% | -2.6% | +6.3 pts |
| ROA | 1.34% | 0.65% | +0.7 pts |
| ROE | 9.8% | 4.4% | +5.4 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.1M | $6.1M | $5.1M | $966K | $47K | 1.34% | 4.82% | 2.41% | 809 |
| Q1 2026 | $7.3M | $6.3M | $4.8M | $930K | $11K | 0.63% | 4.66% | 0.78% | 811 |
| Q4 2025 | $7.2M | $6.3M | $4.9M | $918K | $54K | 0.75% | 4.63% | 0.85% | 808 |
| Q3 2025 | $7.1M | $6.1M | $4.9M | $906K | $42K | 0.79% | 4.66% | 1.53% | 810 |
| Q2 2025 | $7.1M | $6.2M | $4.9M | $896K | $32K | 0.89% | 4.62% | 0.73% | 810 |
| Q1 2025 | $7.0M | $6.1M | $4.4M | $884K | $20K | 1.13% | 4.72% | 0.37% | 817 |
| Q4 2024 | $6.8M | $5.9M | $4.6M | $865K | $59K | 0.87% | 4.73% | 0.52% | 813 |
| Q3 2024 | $7.0M | $6.0M | $4.5M | $851K | $46K | 0.87% | 4.60% | 1.91% | 808 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.65% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.0M | $6.1M | $4.4M | $831K | $25K | 0.73% | 4.59% | 1.00% | 809 |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $2.8M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 80.6% | 34th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Muskegon, MI, ranked 24th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Muskegon, MI | 1 | $6.1M* | 0.15% | 24th |
Michigan: 294th with 0.00% · Muskegon-Norton Shores metro: 24th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1